What cards do you currently have with them and when was each card issued?
I have to agree with the above posts. I'm assuming you obtained these cards with the charge offs already reporting?
Which would then lead me to think that being around 90 percent utilization is why you aren't receiving your cli's...it might not seem like your at 100 percent or "maxed out" - but by scoring standards you are. There isn't a real difference between being at 90 percent and 100.
Furthermore, carrying that much utilization and being in that "bracket" utl wise is hurting your scores. Navy sees the scores and sees the utl and then they have to choose what the safe bet is in regards to risk... The risk for them is elevated with every percent of utl that you present to them.
This is just my opinion and I'm writing what I wish people wrote to me when I first started here. Id recommend getting that utl way down and build more of a relationship and I think your odds dramatically increase with getting your clis. Also, if you search for information on MYFICO about utilization, there is a ton of information and theories regarding the effects it has on your fico score and how lenders tend to view it.
I have goRewards, N-Rewards, and Visa Flagship (which I just changed from Visa Platinum). All have limits between 5-7k at usage around 90% for all three. I don't know the exact reason yet as I just only received notification via email. I imagine it's from my some charge offs from 2 years ago (most paid, but 3 won't be paid until June). I have a fico 9 of 610 (according to NFCU) and DTI around 25%.
I'm confident that when you receive your denial notices it will list high revolving utilization at the top of the list. 90% utlization is frightening combined with other unpaid baddies. I'd seriously consider calming the throbbing on utilization before asking for anymore cash! Furthermore, it might be wise to hold off on asking for more credit in general until you can get the current debt burden under control. Wishing you the best of luck!